Volksbank Wilhelmshaven e.G. products, services and reviews

About Volksbank Wilhelmshaven e.G.

Volksbank Wilhelmshaven eG is a regional cooperative bank based in Wilhelmshaven and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It serves retail and business clients in its catchment area through a compact branch network and digital channels, offering current accounts, savings and term deposits, overdrafts, consumer loans, residential mortgages, and corporate financing, with payments and cash management services aligned to SEPA standards. Securities and investment funds are typically provided via group partners such as DZ BANK and Union Investment, insurance via R+V, building society products via Bausparkasse Schwäbisch Hall, and merchant acquiring through VR Payment; real estate brokerage may be available through affiliated providers. Access includes online and mobile banking with strong customer authentication (app-based TAN and chipTAN), girocard and international card products (debit and credit) with 3‑D Secure, and use of the nationwide cooperative ATM network; cash deposit machines are available at selected locations. Account opening is possible in-branch and, for many products, online, with identity verification via VideoIdent or PostIdent and credit checks through SCHUFA where applicable; business accounts require standard corporate documentation. Pricing follows the published Preis- und Leistungsverzeichnis, with account packages, card fees, transaction charges, and posted interest rates for deposits, overdrafts, and loans; early repayment conditions and collateral requirements apply to fixed-rate and secured lending. As a cooperative, customers can subscribe for membership shares that confer voting rights in the representatives’ assembly; governance includes a management board and supervisory board, with statutory auditing by the cooperative association. The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the statutory deposit guarantee up to 100,000 euros per depositor and by the institutional protection scheme of the BVR, which is designed to prevent member bank insolvency. Customer service is provided via branches, telephone, secure online messaging, and standard card-blocking hotlines; data processing follows GDPR, and payment services are operated under PSD2 requirements. Product availability, digital features (including instant payments and mobile wallets), and fees depend on the chosen account model and are subject to change; the current schedule of conditions is published by the bank.